Until the latest update of the Halifax Bank of Scotland app it was very accessible. With the most recent update Voice Over can no longer see the keyboard at the log in screen on IOS9. So as you can't log in it is unusable. I have the previous version on my iPod which still works and the latest on my iPhone which doesn't. Amazing to think one minor update can render a vital and useful app for customers worthless. Very frustrating. I've down graded my review on the App Store accordingly so I hope big corporate banks read these things as there is no other way to feed back.